Editorial take: Chase Ink Business Cash
Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.
All credit cards
Side-by-side
Chase Ink Business Cash vs United Business Card
Both are business travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the United Business Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The United Business Card costs $150 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Chase Ink Business Cash | United Business Card |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | $750 bonus cash back | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $750 | $1,500 |
| Min spend to unlock bonus | $6,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | business |
| Best earning category (Office) | 5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
|
|
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Read the full review
United Business Card
$150/yr · 100,000 miles + 2,000 PQP
Editorial take: United Business Card
Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or United Business Card?
- The United Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $750 bonus cash back (~$750) on the Chase Ink Business Cash.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the United Business Card?
- The Chase Ink Business Cash has no annual fee, so the question is whether the United Business Card's $150 fee is justified by its perks. If you'll use enough of the United Business Card's benefits to clear $150 in value annually, it's worth it; otherwise stick with the Chase Ink Business Cash.
- Can I have both the Chase Ink Business Cash and United Business Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chase Ink Business Cash or the United Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. United Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.